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Settling your debt with your creditors is a viable option when it comes to getting out of debt. So how do actually settle your debt you may be wondering? There is a skill when negotiating and you should have an outcome in mind before you start negotiating with creditors. First you need to know how much money you have to work with and you need to know what to say and what not to say.

Most creditors are willing to settle and actually have a department assigned just for that purpose. The best way of gaining a good settlement offer is by having a compelling reason such as a medical condition, change in income or something other than over spending. Another thing that can have an impact on the outcome of the settlement is if you had cash advances on your account that you are negotiating. This could have a negative impact because most creditors are not willing to settle low on cash advanced balances or what’s commonly referred to discounted cash.

If your balance is mainly purchases that you have made the better your chances are to get the debt down to let’s say 20 cents on the dollar. Example, if you had a balance of $2,000 you could expect to settle for $400. You may want make an offer through the mail although this is not as effective and you lose the negotiation power of direct communications.

There are programs that can teach you how to negotiate, and it is worth considering because most professional negotiators get a third of what they save you. For instance let’s say you hired a professional negotiator and the balance of your debt was $35,000 and they were able to negotiate the debt down to $7,000 that would be a savings of $28,000. Their fee would be based on a percentage of the $28,000 they saved you which their fee would be $8,680. Now the total payback amount would be $7,000 debt + $8,680 fee= $15,680. Now your actual savings went from 20% to 45%. Now imagine if you were able to do the same thing with proper coaching. Let’s say the program cost $200 now you’re looking at an additional savings of $8,480.

You do have to consider the time that this will take you, however the reward of the education and the lessons learned could be priceless. If you feel that you are not capable of negotiating your debts on your own then you may want to hire a professional but at least negotiate their fee up-front down to a flat 10% of the total debt. Also make sure you never pay upfront fees and you do your proper due diligence on the company and make sure they’re reputable. A good start is to check them out with the Better Business Bureau.

It is very important for the married couples to improve the passion between each other. More often, sexy present can be better choice for you. The sexy gifts can be a love kiss, a beautiful and stylish dress or something that can make the wife feel happy and comfortable. When you choose the presents for a wife, you should pay attention not to make your gifts be considered to be lack of taste. And you should choose the gifts according to the interests of your wife.

You may choose a pair of high heel shoes to the wife. High heels are always the favorite of women. Buying a pair of boots of sexy stilettos or classic style according to the interests of your wife, you will sure make your lady feel glad when she receives the presents. When you choose the style, you should make sure that you know the style of your wife very well so that you will not select one that makes her dissatisfied.

If your wife likes doing exercises, you may send her a membership of a yoga club. In this way, she will be able to do her favorite exercises to keep fit and healthy. Or you may choose to give your wife a spa day to enjoy herself. There will manicure, massage and facial for her to get complete relaxation.

If you have some free time and want to spend it with your wife, you may buy the tickets of a passionate movie. You may also choose a movie night basket filled with wonderful and sexy movies for your wife. You may prepare a glass of wine and some scented candles to create more romance. I believe the whole night will be a wonderful and romantic one for you and your wife.

Why were arrows painted on the ceiling? I was speaking at a conference in Malaysia and every meeting room in the hotel had an arrow painted on the ceiling. I could not figure out why. To add to the mystery, every arrow pointed in the same direction.

I asked one of the hotel staff. He said the arrows pointed towards Mecca so Muslims could face in the proper direction during prayers held several times a day. Since Malaysia was a predominately Muslim country every hotel meeting room had these arrows painted on the ceilings.

Before my training session one of my participants asked to take breaks at specific times of the day so she could pray. I said, “Yes, of course” and had the breaks timed appropriately.

The point of these stories is: cultural awareness is crucial when training diverse audiences.

Now, you don’t have to go to another country to recognize diversity. For example, another speaker told me about a seminar held for some visiting executives from Japan. He said the Japanese visitors were sitting with their eyes closed, bodies motionless and their heads down. It looked like they were sleeping. Such body language is a sign of deep concentration and respect in Japan. It’s as if the Japanese are meditating upon the wisdom of what is being said.

Some speakers would not know that. Instead, they would try to “wake them up” by talking louder or jumping around the stage. But this speaker knew his audience. He appreciated the respect shown by these visiting Japanese executives. In return, he paid them the respect of continuing his presentation without any loud antics.

You need to prepare for a diverse audience. We work in a multi-cultural society where speakers need to respect the diversity of their co-workers and clients. So before you give your next presentation, ask yourself, “How can I the diversity in my audience?” Do your research and prepare accordingly.